Aspire Platinum Rewards Mastercard

For People with
Fair Credit



The Aspire Platinum Rewards Mastercard is a low-interest balance transfer card that comes with a 0% intro balance transfer APR for 6 billing cycles. After that your rate will be 10.90%–18.00% Variable.

You can earn 5,000 points after spending $2,000 in the first 3 months of account opening. You’ll get 1X point per dollar for all of your card purchases.

This card has no annual fee.

If you’re not a member of Aspire Federal Credit Union, you must apply for membership before you can apply for this card.

Card Quick Facts

Card Quick Facts

  • 0% intro APR for 6 billing cycles for purchases and balance transfers, and then your rate will be 10.90%–18.00% Variable
  • 5,000 points after spending $2,000 in the first 3 months of account opening
  • 1X point per dollar for all of your card purchases
  • Mastercard benefits
  • No annual fee

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 1X point per dollar for all purchases

Introductory Bonus

  • 5,000 points after spending $2,000 in the first 3 months of account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 10.90%–18.00% Variable
Intro Purchase APR -
Foreign Transaction Fee 1%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $25
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 6 billing cycles
Regular Balance Transfer APR 10.90%–18.00% Variable
Balance Transfer Fee 2%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 13.90%–18.00% Variable
Cash Advance Fee 2%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Mastercard Benefits

    This card comes with Mastercard benefits. You will be provided with a list of benefits once you get your card.

  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

  • ID Theft Resolution

    Help resolving identity theft if you become a victim.

  • Extended Warranty

    Your card extends the time period for U.S. manufacturer’s warranties on eligible warranties.

  • Price Protection

    If the item you bought with your card appears in a print advertisement at a lower price, you may be able to be reimbursed for the difference.

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